已完成用户APP首期功能开发

交付用户端首期页面、配套接口、后台资源及测试文档。用户APP构建、静态分析和三个管理后台构建通过；完整测试仍有2项失败，后端模型注释检查未通过，详见交付记录。

apps/user_app/lib/domain/models/wallet_account.dart

@@ -0,0 +1,93 @@
+// 功能描述：银行卡与提现申请的严格领域模型；版本：1.0.0。
+
+/// 本人已绑定银行卡只保留服务端返回的脱敏字段。
+class WalletBank {
+  const WalletBank({
+    required this.identity,
+    required this.maskedNumber,
+    required this.bankName,
+    required this.owner,
+    required this.type,
+    required this.isDefault,
+  });
+
+  final String identity, maskedNumber, bankName, owner, type;
+  final bool isDefault;
+
+  factory WalletBank.fromJson(Map<String, Object?> json) {
+    final identity = json['identity'], number = json['card_no_masked'];
+    if (identity is! String || identity.isEmpty || number is! String || number.isEmpty) {
+      throw const FormatException('银行卡数据不完整');
+    }
+    return WalletBank(
+      identity: identity,
+      maskedNumber: number,
+      bankName: json['bank_name'] as String? ?? '银行卡',
+      owner: json['card_owner'] as String? ?? '',
+      type: json['bank_type'] as String? ?? '',
+      isDefault: json['is_default'] == true,
+    );
+  }
+
+  String get typeName => switch (type) {
+    'debit' || 'saving' => '储蓄卡',
+    'credit' => '信用卡',
+    _ => type,
+  };
+}
+
+/// 提现状态必须来自服务端，申请成功只表示进入审核流程。
+class WalletWithdrawal {
+  const WalletWithdrawal({
+    required this.identity,
+    required this.number,
+    required this.amount,
+    required this.fee,
+    required this.status,
+    required this.createdAt,
+  });
+
+  final String identity, number;
+  final int amount, fee, status;
+  final DateTime createdAt;
+
+  factory WalletWithdrawal.fromJson(Map<String, Object?> json) {
+    final identity = json['identity'], amount = json['amount'], fee = json['fee'];
+    final createdAt = DateTime.tryParse(json['created_at'] as String? ?? '');
+    if (identity is! String ||
+        identity.isEmpty ||
+        amount is! int ||
+        amount <= 0 ||
+        fee is! int ||
+        fee < 0 ||
+        json['apply_status'] is! int ||
+        createdAt == null) {
+      throw const FormatException('提现记录数据不完整');
+    }
+    return WalletWithdrawal(
+      identity: identity,
+      number: json['cash_no'] as String? ?? '',
+      amount: amount,
+      fee: fee,
+      status: json['apply_status'] as int,
+      createdAt: createdAt.toLocal(),
+    );
+  }
+
+  String get statusName => switch (status) {
+    10 => '待审核',
+    18 => '处理中',
+    23 => '已到账',
+    30 => '已拒绝',
+    31 => '已退回',
+    _ => '状态待确认',
+  };
+}
+
+/// 金额文本直接转整数分，禁止浮点舍入和指数格式。
+int? parseWithdrawalAmount(String value) {
+  final text = value.trim();
+  if (!RegExp(r'^\d{1,9}(\.\d{1,2})?$').hasMatch(text)) return null;
+  final parts = text.split('.');
+  return int.parse(parts[0]) * 100 + (parts.length == 1 ? 0 : int.parse(parts[1].padRight(2, '0')));
+}